Being self-employed has certain advantages compared to working for a company: more flexibility, no hierarchical pressure, managing your own hours and clients... But as a self-employed person, you also run certain risks.

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What happens if you fall ill and cannot work for a certain period of time? What if an accident happens? Or if one of your clients refuses to pay you?

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How should you organise your pension provision?

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As a self-employed person you have to take on certain responsibilities, including insurance.

Even if the risks are different from one industry to another, certain types of insurance are essential for all businesses:

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Business liability insurance: covers your business against damage caused to third parties, whether your customers or other third parties. This includes operational risks, product risks and risks related to the company's facilities (premises).

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Business property insurance : property insurance covers all business assets affected by natural damage, fire, burglary and glass breakage. The coverage your company needs depends largely on your line of business.

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Business legal expenses insurance : corporate legal protection insurance covers the company for disputes that may arise with employees, customers, suppliers or the neighbourhood.

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Occupational benefit plan (LPP). : as soon as your company employs employees subject to the AVS, your company must be affiliated to a pension fund. This protects your employees and yourself for the future.